Direct answer
No, you cannot contribute to an HSA unless you are covered by a high-deductible health plan (HDHP) as defined by federal tax law.
IRS guidelines on health savings account eligibility requirements. For additional information about eligibility requirements, see the Internal Revenue Service’s guide to Health Savings Accounts and Other Tax-Favored Health Plans.
What this means for you
No, you cannot contribute to an HSA unless you are covered by a high-deductible health plan (HDHP) as defined by federal tax law.
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